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Among the victims of the devastating economic crisis have been homeowners. Foreclosures surged nationwide in the latter half of the last decade — initially when the housing bubble burst and, more recently, as mass layoffs and depressed wages have forced workers out of their homes. Minnesota hasnapos;t been immune. Since 2005, more than 100000 foreclosures have occurred in this state — both in urban and rural areas — affecting one of every 20 households. But unlike most states, Minnesota leads the nation with a collaborate effort designed to prevent foreclosures, or at least mitigate their effects on communities...